More employers want to offer consumer-directed health plans, according to the Aon Hewitt 2013 Health Care Survey. It’s one way to shift more costs to workers and some employers will use the Affordable Care Act to help with this. The insurance exchanges will give adult dependents — spouses and older children — another means to obtain coverage. “Further, we expect to see continued design-based cost sharing. In doing so, employers will increasingly embrace CDHP approaches, including full-replacement models [offering no other plan options]. We believe CDHP approaches are most successful when simultaneously aligned with programs and incentives aimed at improving health.”
Employers who are considering CDHPs are interested in both health reimbursement accounts (HRAs) and health savings accounts (HSAs).
“More than one-third of employers (40%) offer an HSA with an employer contribution to the HSA today; another 42% are considering it for the next three years. Fourteen percent of employers offer an HSA-eligible plan, but do not fund the account. Twenty-three percent offer an HRA with employer funds in the HRA, another 33% are considering it for the future.”
The data were collected in interviews conducted in December 2012 and January 2013 with more than 800 employers. More than half of the respondents have operations outside of the United States.
Source: “Aon Hewitt 2013 Health Care Survey”
How do consumers feel about CDHPs? Aon Hewitt asks this in another study, “The Consumer Health Mindset: Turn Good Intentions Into Great Outcomes,” and sees that enthusiasm waned somewhat last year, though one shouldn’t read too much into that. “Even though CDHP satisfaction has slipped, 89% of consumers who are currently in a CDHP and have a choice of plans expect to re-enroll in this type of plan. This expectation is especially true for those who have been in a CDHP for more than two years. Ninety-seven percent of this group plan to re-enroll in a CDHP.”
Source: “The Consumer Health Mindset: Turn Good Intentions Into Great Outcomes”